The inspector red-tagged you and the line is cold
The fire marshal or health inspector walked into your kitchen, looked at the exhaust hood over your cook line, and pulled the plug. Maybe the Ansul fire-suppression system is out of certification. Maybe the hood isn't pulling enough CFM and it failed the ventilation check. Maybe the ductwork is caked with grease past code. Whatever the reason, the answer is the same: you cannot legally run a flame under that hood until it's fixed and re-inspected.
This isn't a repair you can limp along on. No working hood and fire suppression means no cooking — not "cook carefully," not "just the fryers." The doors stay closed, or you risk a code violation, a fire-code shutdown, or worse. And the repair itself isn't cheap: a full Ansul recharge and re-cert, a new exhaust fan motor, or replacing a damaged hood can run anywhere from a few thousand to $30K+, and the certified companies that do this work usually want to be paid before or on completion.
So you're stuck. The one thing standing between you and reopening is money you don't have sitting in the account this week.
How the funding works
- Apply online in minutes. Fill out the application at /apply/ and upload your last few months of business bank statements. That's the core of it — we read your deposits, not your credit report.
- Soft credit pull only. We do a soft pull to check — it does not ding your FICO. Scores of 500+ are fine. Approval is built on the cash flowing through your restaurant, not a perfect credit history.
- Get funded and pay the hood company. Once you accept, funds can hit your account in as little as 24 hours, so you can pay the certified contractor, schedule the re-inspection, and get the doors open again.
Deposits, not credit score
Steady sales through your bank account matter far more than your FICO. 500+ works.
As fast as 24 hours
Submit before early afternoon ET on a weekday with statements in and signed, and same-day funding is on the table.
No collateral
You're not pledging equipment or your building. This is based on revenue.
Restaurants only
We fund food service and nothing else, so we understand a red-tagged hood is an emergency, not a "someday" project.
The real cost of waiting
Do the math on staying dark. Say your restaurant does $9,000 a day in sales. The hood repair and Ansul re-cert quote comes to $11,000, and the earliest the contractor can get to you if you pay now is tomorrow. If instead you spend a week scraping the cash together — calling family, waiting on a bank, floating a card — that's roughly 7 lost service days at $9,000, or about $63,000 in sales you'll never get back. Plus payroll you may still owe, plus food that spoils in the walk-in, plus the regulars who quietly find somewhere else to eat.
The repair costs $11,000 either way. Waiting is the part that costs $63,000. Funding the fix today isn't the expensive choice — staying closed is.
Who qualifies: restaurants, bars, cafes, food trucks, and other food-service businesses generally doing at least $10K–$15K a month in deposits, open roughly 3+ months, with a business bank account. FICO 500+ is welcome. No perfect credit, no tax returns, no collateral required.
Straight answers
Will applying hurt my credit?
No. We use a soft credit pull to check eligibility, which does not affect your score. You'll only know it happened because we told you.
How fast can I actually get the money?
Honest rule: if you apply before early afternoon ET on a weekday, with your bank statements uploaded and the offer signed, funding can land the same day. Get everything in Friday afternoon and it typically funds Monday. We won't promise you a miracle we can't keep.
My credit is bad. Can I still get approved?
Probably, yes. FICO 500+ is fine because approval leans on your bank deposits. A rough credit past does not disqualify a restaurant with real, steady sales.
Can I use it for the whole job — Ansul, exhaust fan, ductwork, re-inspection?
Yes. It's working capital for your business. Pay the certified hood and fire-suppression company, cover the re-inspection fee, replace the fan motor — whatever it takes to get the red tag lifted.
What do I need to apply?
Your last few months of business bank statements and a completed application. No collateral, no tax returns.
How much can I get?
Between $5,000 and $500,000, sized to your deposits and what the repair actually costs.
A cold line doesn't get warmer while you wait on cash. Get the hood fixed and the doors open — start your application.
Get Your Restaurant Funded in 24 Hours
Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Start Your Application →Get funded in 24 hours
Approved on your revenue, not just your credit. Start your 1-minute application.
Why restaurants choose Prime
We are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Restaurant-only underwriting
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Funded in 24 hours
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
Approved on your revenue
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Ready to get funded?
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.
- ✓ 500+ credit
- ✓ 6+ months open
- ✓ $25K+/mo revenue
See how much your restaurant qualifies for
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATION →No obligation · takes about a minute